Yiren Digital (YRD) Return on Invested Capital [ROIC] (2017 - 2025)
Yiren Digital (YRD) reported Return on Invested Capital [ROIC] of -57.45% for Q4 2025, down 93.87 percentage points from 36.42% a year earlier and down 97.07 percentage points from the prior quarter.
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Analysis
Yiren Digital (YRD) Return on Invested Capital [ROIC] (2017 - 2025) Analysis & Trends
For FY2025, Yiren Digital posted Return on Invested Capital [ROIC] of -63.09%, down 17.45 percentage points from FY2024.
- Return on Invested Capital [ROIC] has declined for three consecutive years, though with a five-year change of +34.22 percentage points (FY2020 to FY2025).
- By year, Return on Invested Capital [ROIC] came in at -45.64% in FY2024 (-16.67 pp), -28.97% in FY2023 (-1.69 pp), -27.28% in FY2022 (+26.45 pp) and -53.73% in FY2021 (+43.58 pp).
- The Q4 2025 figure ranks as the lowest quarterly Return on Invested Capital [ROIC] since Q2 2021.
- Year over year, Return on Invested Capital [ROIC] gained in seven of the last eight quarters, with an average year-over-year change of -3.07 percentage points.
- The high point for year-over-year Return on Invested Capital [ROIC] in five years was Q4 2021 (a gain of 144.74 percentage points); the low point was Q4 2025 (a drop of 93.87 percentage points).
- Per Business Quant data, the three quarters before Q4 2025 came in at 39.62% (Q3 2025), 41.84% (Q2 2025) and 41.66% (Q1 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROIC (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 44.05 Bn | 29.73 Bn | - | 2.43% |
| 2 | Orix | 40.96 Bn | 10.18 Bn | 12.74 Bn | 2.96% |
| 3 | Royalty Pharma | 36.72 Bn | 36.63 Bn | - | - |
| 4 | Affirm Holdings | 23.63 Bn | 17.32 Bn | - | 5.55% |
| 5 | Federal National Mortgage Association Fannie Mae | 23.47 Bn | 23.47 Bn | - | 2.81% |
| 6 | Synchrony Financial | 22.90 Bn | -44.72 Bn | - | 25.70% |
| 7 | Royal Gold | 19.26 Bn | 18.48 Bn | 390.45 Mn | 9.67% |
| 8 | Annaly Capital Management | 13.77 Bn | 4.86 Bn | - | 16.56% |
| 9 | Ares Capital | 13.38 Bn | 10.82 Bn | - | - |
| 10 | Yiren Digital | 56.77 Mn | -1.89 Bn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Dec 31, 2025 | 0.00% |
| Sep 30, 2025 | 39.35% |
| Jun 30, 2025 | 41.66% |
| Mar 31, 2025 | 41.99% |
| Dec 31, 2024 | 36.70% |
| Sep 30, 2024 | 30.97% |
| Jun 30, 2024 | 26.90% |
| Mar 31, 2024 | 24.56% |
| Dec 31, 2023 | 23.32% |
| Sep 30, 2023 | 22.88% |
| Jun 30, 2023 | 22.50% |
| Mar 31, 2023 | 22.15% |
| Dec 31, 2022 | 24.70% |
| Sep 30, 2022 | 32.65% |
| Dec 31, 2021 | 47.18% |
| Sep 30, 2021 | -50.99% |
| Jun 30, 2021 | -98.60% |
| Mar 31, 2021 | -85.76% |
| Dec 31, 2020 | -85.60% |
| Jun 30, 2017 | 89.55% |
API Access
Yiren Digital Return on Invested Capital [ROIC] API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=return-on-invested-capital-%5Broic%5D&ticker=YRD&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-invested-capital-[roic]", "ticker": "YRD", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=return-on-invested-capital-%5Broic%5D&ticker=YRD&period=max&api_key=YOUR_API_KEY");
const data = await res.json();